eSign Agreement


Please read this disclosure carefully, as it provides important information about your legal rights.

This Agreement to Receive Communications Electronically (“Agreement”) addresses the circumstances under which you agree to receive in electronic form information that we are required by law to provide to you in writing (such as, for example, Truth-in-Savings Act disclosures) as well as other information and notices in connection with your membership and accounts with Schools Financial.

For the purposes of this Agreement, the words “you” and “your” mean the primary accountholder and all joint accountholders. The words “we” “our” and “us” mean Schools Financial, a division of SchoolsFirst Federal Credit Union. “Account(s)” means the account(s) you have with us. “Communication” means any member agreements or amendments thereto, monthly (or other periodic) billing or account statements, tax statements, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product, service, Account(s) or your membership, including but not limited to information that we are required by law to provide to you in writing.

We are required to obtain your consent before delivering Communications electronically. You understand that your consent also permits us to electronically deliver to you, initially and on an ongoing basis, all future Communications.

Consent to receive disclosures electronically and scope of consent. By clicking the I AGREE button or typing YES in the Accept box, you are affirmatively consenting, initially and on an ongoing basis, to receive Communications with us in electronic format, and that we may discontinue sending paper Communications to you, until such time as you withdraw your consent as described below. Your consent to receive electronic Communications includes, but is not limited to:

  • All legal and regulatory disclosures and communications associated with the Account(s). As an example, we may send by email disclosures required by the Truth-in-Savings Act, the Gramm-Leach-Bliley Act, the Truth-in-Lending Act, the Electronic Fund Transfer Act, the Equal Credit Opportunity Act and the Fair Credit Reporting Act.
  • Notices or disclosures about a change in the terms of your Account(s) or associated payment feature and responses to claims.
  • Privacy policies and notices.
  • Monthly (or other periodic) billing or account statements for your Account(s) or such other Communications we may include from time to time.


Method of providing Communications to you in electronic form. All Communications that we provide to you in electronic format will be provided either: (1) via email; (2) by access to a website that we will designate in an email notice we send to you at the time the information is available; or (3) we will request that you download a .pdf file containing the Communication.

How to withdraw consent. You may withdraw your consent to receive Communications by providing written notice to us at Schools Financial, 1485 Response Road, Suite 126, Sacramento, CA 95815 with the details of your request. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have had a reasonable period of time to process your withdrawal. If you withdraw your consent to receive electronic Communications, your access to online banking, including any products or services available within it, will be restricted.  You may also be charged a monthly fee in accordance with our Schedule of Fees and Charges for receiving paper statements.

Valid email address. You agree to provide us with and maintain a valid, active email address. You must promptly notify us of any change in your email address. You may update your email address by accessing your online banking profile at any time or by contacting the Credit Union during normal business hours, and your change will take effect a reasonable time thereafter. We are not liable for any third-party incurred fees, other legal liability or any other issues or liabilities arising from statements or notifications sent to an invalid or inactive email address that you have provided.

Hardware/Software requirements.
In order to access, view and retain electronic Communications that we make available to you, you must have an Internet-capable computer with one of the following Internet Browsers: Microsoft Internet Explorer® 11 (or higher), Firefox® current version, Safari® current version or Google ChromeTM current version or the latest version of the Schools Mobile App. You must also be able to view Adobe Acrobat® version 10 or higher (PDF) files. To test if you can read Acrobat files, click here. If you do not see the sample statement appear, but instead see a box asking if you wish to open or save the file, you will need to download Acrobat for free from Adobe's website. In addition, you must have a printer capable of printing any Communications that are emailed to you and/or made available on our website, and you understand that we recommend that you do so. In the alternative, you must have and maintain the ability to electronically save and visually display on your computer screen any Communications that are emailed to you and/or made available on our website. You understand that we do not make any warranties on equipment, hardware, software, Internet service provider or any part of them, expressed or implied, including, without limitation, any warranties of merchantability or fitness for a particular purpose.

Your right to receive paper Communications. We will not send you a paper copy of any Communication unless you request it or we otherwise deem it appropriate to do so. You may obtain a paper copy of an electronic Communication by printing it yourself or by writing to us at Schools Financial, 1485 Response Road, Suite 126, Sacramento, CA 95815, or contacting us by telephone at 916-569-5400 (Sacramento area) or 800-962-0990 and identifying the specific record requested, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. A fee to request paper copies of Communications may be imposed as set forth in our Schedule of Fees and Charges.

Communications in writing. All Communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this Agreement and any other Communication that is important to you.

Federal law. You acknowledge and agree that your consent to receive electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Termination or changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

Agreement. By clicking the I AGREE button or typing YES in the Accept box, you affirmatively consent to receive, and acknowledge that you can receive, access and retain electronic Communications. You acknowledge that you have read and agree to the terms in this “AGREEMENT TO RECEIVE COMMUNICATIONS ELECTRONICALLY” and that your computer system meets the minimum system requirements described in this Agreement.